Terms & Conditions

Introduction

Welcome to Billingunion.com, the website for Billing Union, Inc. By using our website and/or using our services, you acknowledge that you have read, understood, and agree to be bound by the Terms and Conditions listed here. These Terms and Conditions unconditionally extend and apply to all related software applications, our usage of third-party tools, or website extensions of Billing Union, Inc. If you are not in agreement with these Terms and Conditions, you are prohibited from using this website and our services, and you should discontinue use immediately.

1) Acceptance of Terms & Conditions

The Terms and Conditions contained herein shall govern your use of this website and all its contents, related software applications, our usage of third-party tools and/or extensions (collectively referred to herein as "Website") and our services. Use of this Website and our services constitutes an express agreement with all the Terms and Conditions contained herein in full. By accessing or using the services provided by Billing Union Inc. ("we," "us," or "our"), you expressly agree to comply with and be bound by these Terms & Conditions. By agreeing to these Terms and Conditions, you also consent to:

• Let Billing Union send you emails and phone messages with verification codes when you sign up or login.
• Let Billing Union represent you to negotiate with various vendors on your behalf to lower rates for your household services and products.
• Let Billing Union send you emails to update the status of our negotiations to lower rates for your household services and products.

2) Description of Services

We provide a platform that analyzes household bills for services and products to identify saving opportunities. Our "Services" may include:

• The scan/upload and analysis of bills and invoices provided by you.
• Rate comparison with alternative service/product providers.
• Employing collective bargaining strategy like a union, to negotiate with various vendors on your behalf to lower rates for your household services and products.
• Personalized recommendations for lowering bills and costs.

The content of this Website is not intended for use or distribution to any person or entity in any jurisdiction, geographical location, or country/state where such distribution would be contrary to law or that would subject Billing Union, Inc. to any form of registration, claims, demands, costs, liabilities, damages or expenses.

3) User Eligibility

You must be at least 18 years old and legally capable of entering into agreements to use our Website and Service. If you are under the age of 18, you cannot use or register to use this Website or our Services.

4) Account Registration & Data Responsibility

• You are responsible for providing accurate and complete information when creating an account.
• You are responsible for maintaining the confidentiality of your login credentials.
• You will have the ability to access, correct, or delete your data.
• You agree to receive communication from us including text/email messages containing verification code/link, seeking your consent to switch service/product providers and other pertinent information needed to service your account and billing data.

5) User Obligations

You agree not to:

• Use our Website and Services for illegal or fraudulent purposes.
• Upload false or misleading billing data.
• Attempt to reverse-engineer, hack, or disrupt our Website and Services.
• Be involved in activities that may cause disruption to our Website and Services.
• Be involved in activities that may damage or harm our brand and business.
• Be involved in activities detrimental to financial model of our business.

6) Data Privacy & Cookies

• Our Privacy Policy governs how we collect, use, and protect your data.
• We use cookies and similar tracking technologies to enhance user experience. You agree to let us use cookies. However, you can manage cookie preferences in your browser settings.
• Upon account deletion, all personal and billing data will be permanently erased from our systems.

7) Intellectual Property

• All contents, trademarks, and software on our platform are owned by Billing Union Inc. or its licensors, and all intellectual property rights of this Website are reserved to us.
• You may not reproduce, distribute, or modify any part of our Website and Services without our express written permission.
• You are granted a limited license, subject to the restrictions entailed in these Terms and Conditions, for using our Website and Services.

8) License

Unless otherwise stated, Billing Union, Inc. and/or its licensors own the intellectual property rights for all contents on billingunion.com. All intellectual property rights are reserved. You may access any Website content for your personal use subject to restrictions set forth in these Terms and Conditions. We hereby restrict you from all of the following:

• Republishing any Website content in any media.
• Reproducing, duplicating, or copying any Website content.
• Selling, renting, sublicensing, and/or otherwise commercializing any Website content.
• Publicly performing and/or displaying any Website content.
• Using this Website in a manner that is, or may be, damaging to the Website and/or impacts user access to this Website.
• Using this Website contrary to the relevant rules, laws, and regulations of your country of residence.
• Conducting data mining or any other similar activity while using this Website, or concerning this Website.
• Using this Website to engage in any form of business advertising or marketing.

Specific areas of this Website may be restricted from user access, and Billing Union, Inc. may further extend such restriction to the entire Website at any time at its sole discretion.

9) Disclaimers & Limitations of Liability

• Our services, and this Website, are provided "as is"—we do not guarantee any bill reductions or savings. We make no express or implied undertakings, representations, or warranties of any kind related to this Website and the contents contained herein.
• We are not responsible for inaccuracies in third-party billing data.
• To the fullest extent permitted by law, we exclude liability for indirect, incidental, or consequential damages.
• In no event shall Billing Union, Inc., nor any of its officers, directors, employees and affiliates be liable for any loss, injury, or damage arising out of your use of this Website and our Services, whether under contract, tort, or otherwise, and Billing Union, Inc, including its officers, directors, employees and affiliates shall not be liable for any indirect, consequential or special liability or damages arising out of your use of this Website and our Services.

10) Changes to Terms

Billing Union, Inc. reserve the right to revise or update these Terms and Conditions as it sees fit. Continued use of our Website and Services constitutes acceptance of the revised Terms and Conditions. You are expected to review such Terms and Conditions regularly.

11) Linking and Hyperlinking Rights

• We reserve the right to request the removal of any links or any particular link to our website that is created by you. Upon our request, you agree to immediately remove all links to our Website.
• We may amend the Terms and Conditions of these linking rights at any time, and by continuously linking to our Website, you agree to be bound to and adhere to the updated Terms and Conditions. Should you encounter any link on our Website that you find offensive, please feel free to contact us. We will consider requests to remove such links but are not obligated to do so or to respond directly or immediately.
• Use of our logo or other artwork for linking is not permitted without a written trademark license agreement.
• Our Website may provide links to third-party websites or applications. We do not control and are not responsible for the content or operation of such third-party sites or applications. Linking to any third-party site does not imply our endorsement of the site, application, or its operator. Billing Union, Inc. assumes no responsibility for advertisements or any thirdparty content featured within our Website. Any purchases of goods or services made through third-party advertisers are at your own risk.

12) Termination

The provisions of these Terms and Conditions shall remain in full force and effect while you use the Website and our Services. Users may terminate their use by following instructions for the termination of user accounts in your accounts setting or by contacting us at Contact@billingunion.com.

13) Indemnification

As a condition for using of our Website and Services, the User agrees to indemnify Billing Union, Inc. and its affiliates to the fullest extent permitted, from and against all actions, claims, liabilities, losses, damages, costs, demands, and expenses (including reasonable attorney's fees) arising out of the User's use of this Website and our Services, including without limitation, any claim related to the breach of any of these Terms and Conditions. If dissatisfied with any or all of the contents on this Website, our Services or any or all of its Terms and Conditions, the User may discontinue using this Website and our Services.

14) Governing Law & Dispute Resolution

These Terms and Conditions are governed by the laws of the country and state in which Billing Union, Inc. operates. You hereby unconditionally submit to the non-exclusive jurisdiction of the courts located in the State of Illinois. We reserve the right to suspend or terminate your account for violations of these Terms and Conditions.